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U.S. deflation risk 'quite' minor -Fed's Lacker - FXStreet.com
CHARLOTTE, N.C., Dec 3 (Reuters) - Richmond Federal Reserve Bank President Jeffrey Lacker said on Wednesday the risk of deflation in the U.S. was quite minor and he would watch for signs of bottoming in houses prices for a recovery in the economy ...

Futures Off Lows After Mortgage Gain - CNBC
Stocks were set to give back some of their sharp gains from Tuesday's session but were off their morning lows after data showed a sharp increase in mortgage applications last week. Mortgage applications staged their largest one-week surge ever ...

BUSINESS LICENSES CHESTERFIELD - Richmond Times-Dispatch
The following are recently issued business licenses in Chesterfield County. All Clean Plus (personal service); licensee same, 9002 Highgate Hill Drive, Chesterfield 23832-2493. R. Bell General Contracting (contractor); licensee Russell L. Bell, 4508 ...

K-12 cuts, more layoffs ahead - Lynchburg News and Advance
Facing the prospect of cutting an additional $1 billion to $1.5 billion from the state’s two-year budget, Gov. Timothy M. Kaine said yesterday that the next round of cuts will include layoffs and reductions in funding for K-12 education. “I’ve ...

4 new reports reveal battered economy - Richmond Register
WASHINGTON — The government released a quartet of reports Wednesday that paint a bleak picture of the nation’s economy: Jobless claims remain at recessionary levels, Americans cut back on their spending by the largest amount since the 2001 ...

DIARY-U.S. Treasuries, Wednesday, Dec. 3 - FXStreet.com
Federal Reserve Board Governor Randall Kroszner speaks on "The Community Reinvestment Act and the Recent Mortgage Crisis" before the Policy Forum on Concentrated Poverty hosted by the Federal Reserve, 10:15 a.m. (1515 GMT) Federal Reserve Bank of ...

Tom Richmond: Prince of Darkness finally sees the light - yorkshirepost
I'M surprised that a man of Peter Mandelson's importance needed taxpayer-funded lessons on the use of his personal BlackBerry when the Downing Street switchboard is at his beck and call. But, on the other hand, Gordon Brown will probably argue that ...

Owner, 32, looted East Providence title business - Providence Journal
PROVIDENCE — The former owner of a title insurance firm in East Providence pleaded guilty yesterday to a federal fraud charge for looting more than $1.3 million from company accounts and using the money for vacations, hair care, cosmetics and ...

With a little help from Congress, homeowners could come to their own ... - Yahoo News
Richmond, VA. – The U.S. Treasury and Federal Reserve may need more than $700 billion to shore up bank balance sheets and restart the economy. So far, the ideas from Congress are doing nothing to improve the current dismal economic outlook. Instead ...

Dodd, Frank Warn Paulson May Not Get TARP’s Next $350 Billion - Bloomberg
Dec. 5 (Bloomberg) -- Two top U.S. lawmakers warned Treasury Secretary Henry Paulson that he may not get the second half of the $700 billion financial rescue fund, joining Republicans upset with how the program is being managed. “I would be a very ...

Today's Mortgage Terms starting with D

Default: Failure to fulfill legal obligations of a contract, including failure to make payments on a loan.

Discounted Loan: When the note rate on a loan is lower than the market rate, it is a discounted loan.

Discount Point: A point paid to the lender to permanently lower or acquire down an interest rate. Money must be paid up front to lower the rate.

Down Payment: The amount of cash you must pay down initially for the purchase of your home. For conventional loans, you should aim for a down payment that's at least 20% of your home's value. The reason is lenders generally do not require private mortgage insurance with a down payment of at least 20% of your home's purchase price.

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